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BOKF vs FNB
Which Stock Would AI Choose? BOK Financial Corporation (BOKF) vs. F.N.B. Corporation (FNB) Stock Comparison
Key Takeaways
- BOKF reported Q1 2026 earnings that beat expectations by 12.42% on EPS and 1.28% on revenue, driving recent stock gains.
- FNB delivered Q1 revenue growth of 9.4% and an 18.8% rise in diluted EPS, alongside an 8% dividend increase.
- BOKF boasts a larger market cap of approximately $8.09 billion compared to FNB's $6.46 billion, reflecting broader scale.
- Both stocks exhibit solid capital positions, with BOKF's CET1 (Common Equity Tier 1) ratio at 12.9% exceeding FNB's 11.4%.
- Recent market activity shows BOKF advancing from around $126 to over $137 in early April, outpacing FNB's steadier range near $18.
- ROE (Return on Equity) stands at about 9.24% for BOKF versus 8.65% for FNB, highlighting efficiency edges.
Introduction
This stock comparison examines BOKF and FNB, two regional banking players amid evolving interest rate dynamics and economic shifts. Both operate diversified financial services models focused on commercial, consumer, and wealth management segments. Investors tracking regional bank relative performance, sector momentum, or dividend stability will find value here, as recent quarterly results and market positioning reveal key contrasts in growth trajectories and risk profiles. This analysis draws on verifiable data to illuminate current market environments without speculation.
BOKF Overview and Recent Performance
BOKF, or BOK Financial Corporation, is a Tulsa-based financial holding company providing banking, brokerage, and investment services across Oklahoma, Texas, and surrounding states. Its business emphasizes commercial lending, energy sector exposure, and wealth management, supported by a robust franchise. In recent market activity, BOKF shares have climbed steadily, rising from the mid-$120s to near $137, buoyed by a strong Q1 2026 earnings report. Net interest income (NII) reached $342.6 million, with EPS surpassing forecasts, reflecting disciplined loan growth and favorable deposit trends. Sentiment has improved on solid capital levels, including a CET1 ratio of 12.9%, amid broader regional bank recovery.
FNB Overview and Recent Performance
FNB, F.N.B. Corporation, headquartered in Pittsburgh, offers comprehensive banking and wealth solutions through subsidiaries like First National Bank, serving Pennsylvania, Ohio, and the Mid-Atlantic. Its model balances retail, commercial, and fee-based revenues for stability. Recent weeks have seen FNB trade in the $17-$18 range, supported by Q1 2026 results showing 9.4% revenue expansion to $450 million and EPS growth of 18.8%. An 8% dividend hike underscored confidence, while a CET1 ratio of 11.4% bolsters resilience. Performance reflects steady loan pipelines and credit quality, though momentum has been more measured versus peers.
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Head-to-Head Comparison
Both BOKF and FNB pursue similar regional banking models—commercial lending, deposits, and wealth services—but BOKF benefits from greater diversification into energy and capital markets. Growth drivers differ: FNB shows robust revenue acceleration at 9.4%, while BOKF projects upper-single-digit loan expansion. Recent momentum favors BOKF with sharper price appreciation. Risk factors are comparable, with strong CET1 ratios mitigating NCO (net charge-offs) pressures, though BOKF's higher ROE signals better efficiency. Sector exposure ties them to interest rates and regional economies, but market sentiment leans positive for both post-earnings, with BOKF exhibiting superior stability.
Tickeron AI Verdict
Tickeron's AI models currently lean toward BOKF based on trend consistency from its earnings beat, elevated CET1 buffer, and relative price strength in recent weeks. Factors like higher ROE and market cap positioning suggest probabilistic outperformance versus FNB's solid but less dynamic metrics, amid favorable bank sector catalysts.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BOKF is a Buy and FNB is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BOKF’s FA Score shows that 2 FA rating(s) are green whileFNB’s FA Score has 1 green FA rating(s).
- BOKF’s FA Score: 2 green, 3 red.
- FNB’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BOKF’s TA Score shows that 6 TA indicator(s) are bullish while FNB’s TA Score has 5 bullish TA indicator(s).
- BOKF’s TA Score: 6 bullish, 3 bearish.
- FNB’s TA Score: 5 bullish, 4 bearish.
Price Growth
BOKF (@Regional Banks) experienced а +0.61% price change this week, while FNB (@Regional Banks) price change was +0.38% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
BOKF is expected to report earnings on Jul 29, 2026.
FNB is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BOKF | FNB | BOKF / FNB | |
| Capitalization | 8.07B | 6.54B | 124% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 13.233 | 8.942 | 148% |
| P/E Ratio | 13.43 | 11.33 | 119% |
| Revenue | 2.14B | 1.8B | 119% |
| Total Cash | 1B | 452M | 221% |
| Total Debt | 6.12B | 3.14B | 195% |
BOKF | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 10 | 28 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 60 Fair valued | 44 Fair valued | |
PROFIT vs RISK RATING 1..100 | 43 | 36 | |
SMR RATING 1..100 | 21 | 20 | |
PRICE GROWTH RATING 1..100 | 48 | 46 | |
P/E GROWTH RATING 1..100 | 31 | 50 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FNB's Valuation (44) in the Regional Banks industry is in the same range as BOKF (60). This means that FNB’s stock grew similarly to BOKF’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as BOKF (43). This means that FNB’s stock grew similarly to BOKF’s over the last 12 months.
FNB's SMR Rating (20) in the Regional Banks industry is in the same range as BOKF (21). This means that FNB’s stock grew similarly to BOKF’s over the last 12 months.
FNB's Price Growth Rating (46) in the Regional Banks industry is in the same range as BOKF (48). This means that FNB’s stock grew similarly to BOKF’s over the last 12 months.
BOKF's P/E Growth Rating (31) in the Regional Banks industry is in the same range as FNB (50). This means that BOKF’s stock grew similarly to FNB’s over the last 12 months.
| BOKF | FNB | |
|---|---|---|
| RSI ODDS (%) | 6 days ago 46% | 2 days ago 70% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 60% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 57% | 2 days ago 47% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 61% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 51% |
| Advances ODDS (%) | 12 days ago 61% | 2 days ago 55% |
| Declines ODDS (%) | 6 days ago 61% | 23 days ago 57% |
| BollingerBands ODDS (%) | N/A | 2 days ago 66% |
| Aroon ODDS (%) | 2 days ago 63% | 2 days ago 43% |
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BOKF and
Correlation & Price change
A.I.dvisor indicates that over the last year, BOKF has been closely correlated with UBSI. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if BOKF jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To BOKF | 1D Price Change % | ||
|---|---|---|---|---|
| BOKF | 100% | +1.93% | ||
| UBSI - BOKF | 87% Closely correlated | +1.17% | ||
| UCB - BOKF | 85% Closely correlated | +1.61% | ||
| AUB - BOKF | 85% Closely correlated | +1.17% | ||
| INDB - BOKF | 85% Closely correlated | +0.43% | ||
| FNB - BOKF | 84% Closely correlated | +0.71% | ||
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